Re: Calling Amex before purchase

So I hate to butt in here, but... if AmEx is iffy for any payment at any time, any place, why does everyone like it so much? I've never had one, and with all the CLD's that were posted on here a year or two ago I just don't get it???

Re: Calling Amex before purchase

StillLearning wrote:

So I hate to butt in here, but... if AmEx is iffy for any payment at any time, any place, why does everyone like it so much? I've never had one, and with all the CLD's that were posted on here a year or two ago I just don't get it???

Warranty protection, customer service, web tools, prestige, etc...

A lot of them have their reasons, but I have a feeling most people never have issues, and I just like Amex.

Re: Calling Amex before purchase

StillLearning wrote:

So I hate to butt in here, but... if AmEx is iffy for any payment at any time, any place, why does everyone like it so much? I've never had one, and with all the CLD's that were posted on here a year or two ago I just don't get it???

Everyone is likely to have his or her own reasons. For me, I did it strictly because of the backdating. I had an account with them way back in 1987, but it went bad and was closed in 1991. I found out, thanks to this forum, that if Amex issues a new card, they will backdate it to the opening date of the very first account that you had with them. Since I received a preapproved offer, it was too tempting to pass up on adding a card from a prime issuer AND bolstering my AAOA.

Most of my monthly purchases are still going on one of my MCs, though. Admittedly, I don't like feeling as if someone is looking over my shoulder at every purchase, and I do get that feeling when I use my Amex. So far, I've kept my activity to < 400/mo with Amex, just to start getting comfortable with them, and they with me. We'll see how it goes...

Re: Calling Amex before purchase

I've made two dozen purchases a month from less than $20.00 to over $2,000.00 and I haven't been declined in the thirteen months I've been a member. But it is alway a good idea to carry s back-up credit card with you just in case IMHO.

Re: Calling Amex before purchase

gangof4 wrote:

I've made two dozen purchases a month from less than $20.00 to over $2,000.00 and I haven't been declined in the thirteen months I've been a member. But it is alway a good idea to carry s back-up credit card with you just in case IMHO.

Yep,

I carry my Visa and Amex. Daily things (a few bucks) go on the Visa, only certain things for the Amex. Don't see the advantage in spreading usage across more than 2 cards.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.